Clearwater Homes under $400,000

Welcome to Clearwater, Minnesota—a hidden gem that perfectly blends small-town charm with modern convenience. Nestled along the banks of the Mississippi River, Clearwater boasts a picturesque setting with stunning natural beauty, making it an ideal place for families, retirees, and anyone seeking a peaceful lifestyle.

Clearwater is known for its friendly community atmosphere, where neighbors become friends and local events bring everyone together. With easy access to major highways, residents enjoy a quick commute to nearby cities like St. Cloud and Minneapolis, while still relishing the tranquility of small-town living. The area is rich in recreational opportunities, from hiking and biking trails to fishing and boating on the river.

For those looking to plant their roots in Clearwater, the housing market offers an impressive selection of homes under $400,000. Whether you’re searching for a cozy starter home, a charming bungalow, or a spacious family residence, Clearwater has something for everyone. Many of these homes feature modern amenities, beautiful yards, and are situated in safe, welcoming neighborhoods.

Imagine sipping your morning coffee on a sunlit porch or hosting summer barbecues in your backyard—this is the lifestyle that awaits you in Clearwater. With affordable housing options and a vibrant community spirit, Clearwater is not just a place to live; it’s a place to thrive. Come discover your dream home in this delightful Minnesota town, where every day feels like a breath of fresh air!

Newest Clearwater Homes under $400,000

$249,900

2 Beds ⋅ 1 Baths ⋅ 7161762 MLS

Welcome to this charming 1½-story home filled with historic character and modern conveniences! This inviting home offers two bedrooms on the upper level, a spacious full bathroom, living room, dining room, on the main floor, and the convenience of main-floor laundry. Enjoy relaxing on the spacious 16 x 20 covered front porch, or you'll find a 20 x 16 deck with fire ring in the back yard, creating a wonderful space for entertaining family and friends. Additional features include an oversized 16 x 16 single-stall garage, an 8 x 10 storage shed for extra storage, and a partially fenced private area in the back yard. Conveniently located in downtown Clearwater, this home offers a wonderful combination of historic charm & practical updates. Don't miss your opportunity to make this affordable property your own!

610 Main Street, Clearwater

Listing courtesy of Premier Real Estate Services.

$299,900

3 Beds ⋅ 3 Baths ⋅ 7160771 MLS

Discover the perfect blend of style, comfort, and value in this beautifully designed two-story home. Filled with natural light, the thoughtfully designed floor plan offers three spacious bedrooms on the upper level, along with the convenience of an upstairs laundry room. The private primary suite is a true retreat, featuring an en suite bath and two generous walk-in closets. The main level is ideal for both everyday living and entertaining, showcasing an open-concept layout with seamless flow between the living room, dining area, and kitchen. The kitchen offers a large center island, a cozy breakfast nook, abundant cabinetry, and the unique opportunity to select your own appliances to match your personal style. Luxury vinyl plank flooring adds durability and elegance throughout the main level, while plush carpeting creates warmth and comfort upstairs. Quartz countertops, along with stunning African Sapele doors and trim, provide upscale finishes that set this home apart. Completing the package is a fully insulated attached garage—including the overhead door—offering year-round comfort and energy efficiency. This home combines modern finishes, functional design, and exceptional value, making it one you won't want to miss. Schedule your showing today!

438 Prairie Street, Clearwater

Listing courtesy of Freedom Realty.

$275,000

3 Beds ⋅ 2 Baths ⋅ 7146373 MLS

Welcome home to this 3-bedroom, 2-bath home in Clearwater, offering a comfortable layout with many updates already in place. New carpet throughout the upper level and fresh interior paint add to the move-in-ready appeal. The upper level brings together the living room, kitchen and dining area, along with two bedrooms and a full bath. The walkout lower level offers a large family room, third bedroom, full bath and laundry area, providing plenty of additional living space. Recent mechanical improvements include a newer water heater, furnace servicing, and updates to the central air system. The 2-car attached garage is insulated, heated and finished, and the 10' x 10' backyard shed provides additional storage. Located near the Mississippi River, parks, dining and shopping, plus easy access to I-94 for commuting to St. Cloud or the Twin Cities. Come take a look and see all this Clearwater home has to offer!

710 Main Street, Clearwater

Listing courtesy of RE/MAX Advantage Plus.

$359,900

3 Beds ⋅ 2 Baths ⋅ 7145297 MLS

Check out this beautiful and spacious rambler with a lot and view too good to be true! The curb appeal of this home is second to none! Boasting 3 BR and 2 BA, AND an insulated and heated 3 stall garage. this house is pure comfort and utility. Unfinished basement leaves open the possibility of 2 more bedrooms, a bath, and family room. Lower-level walkout means easy access to the backyard and endless patio/outdoor kitchen possibilities. All living materials on one level add to the appeal of the home for people of any age. Built in 2020, the house feels brand-new. Only quality building materials were used, including stone on the exterior and LVL flooring and stone countertops inside. With remote work being an option these days, this home also can easily accommodate several offices. Situated to the back in this beautiful new development, there is very little traffic. It’s the perfect place for kids to play in the front and back yard (backyard sledding fun)!. Great location … close to Clearwater, St Cloud, or a quick run into the Twin Cities Metro!

837 10th Street, Clearwater

Listing courtesy of Century 21 First Realty, Inc..

$290,000

2 Beds ⋅ 2 Baths ⋅ 7141823 MLS

Looking for more space without giving up a convenient location? This charming 1.5-story home sits on an almost half-acre lot and offers a rare combination of outdoor space, future potential, and a large detached 3-stall garage. Whether you need room for vehicles, recreational equipment, or additional storage, this garage delivers the flexibility that is hard to find. Inside, the home features 2 bedrooms, 2 bathrooms, beautiful hardwood floors, and low-maintenance vinyl windows. Step outside onto the expansive deck, offering plenty of room to grill, entertain, or simply relax and enjoy the outdoors. The home was moved onto the property, at which time the electrical and plumbing systems throughout the home were updated. The unfinished lower level already includes egress windows and provides excellent storage along with exciting possibilities for additional finished living space. Conveniently located in Clearwater with quick access to I-94 and Highway 24, the property offers an easy connection to St. Cloud, Monticello, and surrounding communities. With nearly half an acre, a huge deck, large 3-stall garage, and room to add value, this property is packed with potential and ready for its next owner!

435 Bluff Street, Clearwater

Listing courtesy of SODL.

$358,900

3 Beds ⋅ 2 Baths ⋅ 7141558 MLS

We have a spacious rambler with single-floor living, perfect for family time. The master bedroom offers ample space, a walk-in closet, and a master bathroom. The walkout basement can be finished to add two more rooms and a bathroom, making it a 5-bedroom, 3-bathroom home. This home is available due to the seller relocating closer to family.

1029 Nicole Avenue, Clearwater

Listing courtesy of RE/MAX Advantage Plus.

$399,900

5 Beds ⋅ 3 Baths ⋅ 7137838 MLS

Space to grow, room to gather, and an incredible backyard made for enjoying life—this 5-bedroom, 3-bath home truly has it all! From the moment you step inside, you’ll love the fresh, modern feel created by newer vinyl plank flooring and thoughtful updates throughout. At the heart of the home, the spacious kitchen shines with beautiful granite countertops and plenty of room for everything from busy weekday mornings to hosting family and friends. Granite finishes continue into the bathrooms, adding an elevated touch throughout the home. The main level offers the convenience of three bedrooms on one level, including a private primary suite with a generous walk-in closet and its own 3/4 bath. Head downstairs and discover even more living space with two additional bedrooms, including one featuring stylish barn doors and direct walkout access to the backyard. With so much flexibility, there’s plenty of room for guests, a home office, playroom, workout space, or whatever fits your lifestyle. Modern convenience continues with an installed Control4 smart-home system, allowing you to control the window blinds right from your phone—an effortless touch of technology that makes everyday living just a little more luxurious. And just wait until you step outside! The fully fenced backyard is built for entertaining, featuring a maintenance-free deck, expansive concrete patio, privacy fencing, and built-in speakers—creating the perfect setting for summer barbecues, evenings around the fire, or simply relaxing in your own private retreat. An irrigation system helps keep the yard looking its best all season long. Even the garage delivers! The finished, insulated, and heated 3-stall garage features sleek epoxy floors, while an additional concrete side pad with a 50-amp hookup provides an ideal spot for a camper, recreational toys, or extra vehicles. Outdoor and garage cameras provide an added layer of convenience and peace of mind. With five bedrooms, three bathrooms, smart-home technology, incredible indoor and outdoor living spaces, and upgrades from top to bottom, this home offers the space you want, the features you’ll love, and plenty of room to grow. Come see it for yourself and imagine what your next chapter could look like here!

1024 Nicole Avenue, Clearwater

Listing courtesy of RE/MAX Results.

$324,900

2 Beds ⋅ 1 Baths ⋅ 7137666 MLS

Affordable new construction in the heart of Clearwater! Conveniently located near restaurants, shopping, schools, & everyday amenities. Scheduled for completion by late October, w/ time remaining for buyers to customize selections & finishes throughout the home. This thoughtfully designed home features an open-concept floor plan w/ vaulted ceilings in the main living area, a spacious primary suite w/ a walk-in closet, & comfortable living spaces throughout. Situated on a large corner lot surrounded by mature trees, offering a beautiful setting & added privacy. Don't miss this opportunity to make this brand-new home your own!

980 Porter Street, Clearwater

Listing courtesy of Haller Realty Inc..

$293,500

2 Beds ⋅ 2 Baths ⋅ 7082844 MLS

Enjoy easy one-level living in Clearwater Estates. This 2 bedroom, 2 bathroom townhome offers vaulted ceilings, an open floor plan, and a spacious sunroom filled with natural light. The kitchen features painted cabinetry, updated countertops, stainless steel appliances, hardwood floors, and a large center island with seating. Updated vinyl flooring extends through the living and dining areas, creating an inviting space for everyday living and entertaining. The sunroom walks out to a wrap-around deck overlooking mature landscaping and flowering shrubs. A separate laundry room with sink, storage cabinets, and coat closet adds convenience, while the primary suite offers a private ¾ bath and generous closet space. Residents enjoy access to community amenities including a clubhouse, in-ground pool, bocce courts, and community property along the Mississippi River for walking, fishing, and picnics. Golf-cart friendly neighborhood with easy access to I-94, shopping, dining, and The Preserve Disc Golf Course.

146 Bluebird Lane, Clearwater

Listing courtesy of Keller Williams Classic Rlty NW.

$285,000

2 Beds ⋅ 2 Baths ⋅ 7072849 MLS

Updated 2-bed, 2-bath Clearwater Estates patio home featuring 1,420 sq ft of true one-level living. This immaculate home boasts an open-concept layout, natural light, updated flooring and baths, a kitchen with SS appliances, a functional island and ample storage. Large MF primary suite with walk-in closet and shower. A spacious living area opens to a MF deck. Enjoy top-notch association perks: clubhouse, exercise room, outdoor pool, and parkland overlooking the Mississippi River. Quick close is available!

160 Cardinal Lane, Clearwater

Listing courtesy of Edina Realty, Inc.

$289,900

2 Beds ⋅ 2 Baths ⋅ 7064997 MLS

Welcome to easy, elegant living in Clearwater Estates! This beautifully designed home offers the convenience of true main-level living paired with thoughtful, modern finishes. Step inside and enjoy the spacious feel of 9-foot ceilings and an inviting sunroom that fills the home with natural light—perfect for morning coffee or relaxing afternoons. The open kitchen features granite countertops and flows seamlessly into the living and dining areas, making both everyday living and entertaining a breeze. This home includes two comfortable bedrooms, highlighted by a private primary suite complete with its own bath and a generous walk-in closet. A double attached garage adds everyday convenience, while association-maintained living means you can spend less time on upkeep and more time enjoying life. Residents of Clearwater Estates also enjoy access to a clubhouse and pool, creating a welcoming community atmosphere. Located near the scenic Mississippi River, you’ll appreciate the blend of peaceful surroundings and nearby recreation. Low-maintenance, stylish, and ideally located—this is the home you’ve been waiting for.

195 Goldfinch Lane, Clearwater

Listing courtesy of Hometown Realty, Inc.

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Clearwater Homes under $400,000

Newest Clearwater Homes under $400,000

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